“Because I love working with numbers and helping people… this is the perfect business for me!”
Born and raised on the Central Coast of CA, I bring over 25 years of sales and management experience, with more than 17 years in mortgage financing. I’m proud to have helped hundreds of families and investors reach their home ownership goals!
NEXA Mortgage is committed to honesty, integrity, and competence. With access to hundreds of lenders, I provide competitive interest rates, low closing costs, and personalized service.
Loan Programs Offered
Conventional, VA, FHA, USDA, CalHFA, Down Payment Assistance, Zero-Down, Renovation, Construction, JUMBO, Reverse Mortgages, and more.
The Approval Process
Steps include: Application, Disclosures, Processing, Underwriting, Loan Signing, Funding, and Closing. The full process typically takes 25–45 days but can close in as little as 7–10 days for qualified, motivated borrowers.
What You May Need
Most recent 2 years IRS tax returns & W2s
Most recent 2 months bank statements
30 days of paystubs (if W2 employee)
Valid driver’s license and Social Security card (or legal residency docs)
Testimonials
D.D. – Santa Maria: “Charles – I think you guys are fantastic... Having your staff act as my coach during this loan process has been just what I needed.”
Marcy & Arly: “…thank you for helping us with our home! We love you!”
Brenda C.: “Highly recommended. Charles is knowledgeable and personable... Kudos to you Charles!!”
Phillip H.: “Thanks for making my first home buying experience so ridiculously easy!”
